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sandieggo

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  1. I've been cleaning up my credit this year from past financial troubles and as part of that I requested my EWS + Chex reports, and discovered that although my chex is clean, I have an "account abuse" marker from a $214 unpaid overdraft of a now closed Wells Fargo account in January 2017. it's never appeared on any of my EX/TU/EQ reports as a collection or anything FWIW. My question is, what's the best way to tackle something like this, as there seems to be relatively little information about resolving EWS issues compared to FICO issues. So I have some questions for those of you who have gone through this before on what the best way to approach this is. The goal is to be able to get a regular checking account at a bank that uses EWS sometime in the next 6 months. 1) should I be looking for inaccuracies to dispute? 2) is pay for delete for EWS a thing? 3) does paying this off improve my odds for future bank accounts? and if I pay are goodwill letters a thing for EWS? 4) do some banks that check EWS still allow new customers with a negative report or is one negative entry a no for everyone? just like some credit card issuers will look past some minor derogs? Thanks for your help!

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